Compare Jacksonville Homeowners Insurance Companies

If there is any community of people who know how to be prepared for anything, it's those who live in Jacksonville. Hurricanes, flooding and even the breeds of some dogs can affect the amount that Jacksonville residents pay for their homeowners insurance.

These homeowners understand that the possibility of their home sustaining damage from hurricanes most certainly does exist. And so, having Jacksonville homeowners insurance which carries enough protection to repair or replace both the home itself and the valuables contained within is of definite importance.

Are You Obligated To Carry Homeowners Insurance?

Interestingly, the state of Florida doesn't mandate that any homeowner carry coverage to cover destruction or damage by any number of perils. Some municipalities, however, have enacted ordinances which require that homeowners carry at least some liability insurance in the event that they have anything on their property which would pose an elevated risk to those who visit their home and the property it sits on. This could include a swimming pool, dog or other item or situation.

What Kind Of Coverage Do You Need?

Most Florida residents fall under the HO-3 (DP-3) or HO-8 (DP-1) policy, or special form and basic form respectively. While both types of policy offer property and liability protection, you will discover that the extent of that protection will vary widely among home insurance companies.

With the special form (DP-3) policy, you can expect to have all causes of loss covered except those which the policy excludes. Loss of use is also covered, which will help you pay for your living expenses should your home incur too much damage to be habitable following the occurrence of a covered peril.

The basic form (DP-1) policy will protect your home against specific perils, including:

  • Lightning
  • Malicious mischief
  • Wind
  • Smoke


  • Fire
  • Hail
  • Explosion
  • Vandalism
  • Riot and civil unrest

However, the basic form insurance may not cover other perils, such as water damage or theft. A list of excluded perils usually accompanies this form in order to make it easier to see what you are and are not covered for.

Additional Coverage That May Bring You Peace Of Mind

Living in Jacksonville means a high probability of home and property damage due to hurricanes. And while a standard homeowners policy does cover you for wind damage, you must pay for coverage from hurricanes as well. Hurricane coverage will provide financial protection from damage caused by winds in excess of 75 mph, and comes to typically 2% of the insured value of your home.

Sinkholes are another type of peril which requires the purchase of additional coverage. You may have to have your property inspected prior to being approved for coverage. Without sinkhole coverage, your insurance will not kick in unless your home has been rendered condemned following catastrophic ground collapse.

And believe it or not, the breed of dog you have can affect your ability to be completely covered by homeowners insurance. Regardless of how you feel about the situation, the fact remains that many companies have blacklisted specific dog breeds. In Florida, much has been published about the number of dog bites which have occurred in the state of Florida, so coverage may be a priority for you if you own any of the following:

  • Akitas
  • Alaskan malamutes
  • American Pit Bull Terriers and "pit bull" type dogs
  • Boxers
  • Chow chows
  • Wolf-hybrids
  • Doberman pinschers
  • German shepherds
  • Great Danes
  • Presa Canario bulldogs
  • Rottweilers
  • Siberian huskies
  • Staffordshire Bull Terrier

The best course of action is to check with the insurance company you're considering in order to determine which breeds of dog, if any, they have deemed to be a liability.

Finding Coverage In Jacksonville Is Easy

Getting quotes from quality Jacksonville homeowners insurance companies is as easy as requesting them from our web site.  We have also assembled lots of useful information to help you understand the various policies available to you, and how they will impact your bottom line in the end.

Categories: Homeowners InsuranceFinding DiscountsUseful TipsHome Owners Insurance by CityNews